SBFC Finance Limited reported a 29% year-over-year AUM growth, reaching INR10,478 crores. The MSME AUM constitutes 81% of the total. The company added 10 branches, bringing the total to 230. Yield for Q3 FY’26 was 17.78%. The GNPA is contained at 2.71%, with a PCR of 46.2%. The company’s PAT stood at INR118 crores for the quarter.
AUM and Growth
As of December 31, 2025, SBFC Finance’s AUM reached INR10,478 crores, reflecting a growth of 29% year-over-year and 5% quarter-over-quarter. MSME AUM amounted to INR8,497 crores, accounting for approximately 81% of the total AUM. The loan against gold totaled INR1,954 crores, making up 19% of the total AUM.
Branch Network and Yield
During Q3 FY’26, SBFC Finance expanded its branch network by adding 10 branches, bringing the total count to 230 as of December 2025. The yield for the quarter stood at 17.78%.
Financial Performance
The cost of borrowing for the quarter was 8.74%. The GNPA was range-bound at 2.71%, accompanied by a PCR of 46.2%, with a credit cost of 1.29% for the quarter. The capital adequacy ratio was strong at 31.7%. The return on average AUM for the quarter was 4.67%, and the return on average tangible equity further improved from 14.09% in Q2 FY’26 to 14.56% in Q3 FY’26. The PAT for the quarter was INR118 crores, which translates to a growth of 34% year-over-year and 8% quarter-over-quarter.
Strategic Outlook
SBFC Finance aims to achieve an AUM growth of 5% to 7% quarter-on-quarter for the fiscal year FY’26. The company is targeting a 50 basis points reduction in operating cost and credit cost. The company also plans to maintain gold loan at approximately 20% of their origination.
Source: BSE
